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The Payment Card Industry Data Security Standard (PCI DSS)—which was developed by the PCI Security Standards Council (PCI SSC) created by Visa, MasterCard, American Express, Discover, and JCB—is an extensive set of technical and operational standards that a company needs to follow to ensure that all companies that process, store, or transmit credit card information maintain a secure environment.
There are many stringent requirements, including but not limited to:
PCI DSS has six major objectives, 12 key requirements, 78 base requirements, and over 400 test procedures. Click here for more information.
When a business is PCI-compliant, it means that that the business reviews and follows the guidelines set forth by the credit card companies to help ensure your credit card information is protected and your personal information is secure.
International travel medical insurance provides coverage for Emergency Medical Expenses, Emergency Medical Evacuation, Repatriation of Remains, Trip Interruption, Accidental Death & Dismemberment and more while traveling outside your home country.
Many private and government-sponsored domestic health insurance plans provide excellent coverage within the United States. However, they are not intended to provide comprehensive coverage while traveling abroad.
You will want to verify with your insurance company what they will and will not cover. Many domestic companies do not provide medical coverage for international travel, and the ones that do have limited coverage with high deductibles and co-insurance. They are usually not experienced or equipped to deal with different languages, currency conversion, time zone differences, international claims administration and usually do not cover emergency medical evacuation, repatriation of remains, or emergency reunion.
While you may have some coverage with both your homeowner's policy and credit card, you will want to review the terms of each carefully. They will likely have high deductibles. They also may be limited to only certain types of coverage such as Flight Accident, Car Rental Damage, or Accidental Death & Dismemberment while traveling. You will also want to keep in mind that most credit cards require you to use that specific card to purchase your trip in order for the coverage to apply.
You can purchase travel health insurance any time up to the departure date, or even after departing for your trip. In most policies, coverage can start as early as the next business day, or any future date you specify.
If you take multiple trips in a year, we advise you to consider an annual travel insurance policy called Multi-Trip Travel Insurance, that would provide you coverage throughout the year. It usually provides higher coverage and is typically cheaper.
No, the coverage is not based on your reason for travel. However, there are several restrictions to keep in mind when purchasing annual travel insurance:
To learn more about Multi-Trip policies, please view the Annual Travel Insurance article below.
Most companies require you to purchase coverage for a minimum of five days.
This type of insurance generally covers any new medical conditions, sicknesses, injuries, or accidents that occur after the effective date of the policy.
Trip Cancellation Insurance includes various items such as, Trip Cancellation, Trip Interruption, Emergency Medical Expenses, Emergency Medical Evacuation, Repatriation of Remains, Baggage, Accidental Death & Dismemberment, and possibly other benefits such as travel delay, assistance services, emergency cash transfer etc.
Trip Cancellation is designed to provide you coverage in the event that you have to cancel your trip for a valid reason prior to your departure. The plan will reimburse you your pre-paid, nonrefundable portion of your trip cost. Trip Interruption is designed to provide you coverage in the event that you need to return home from your trip early due to covered reasons such as a house fire or the death of a close relative. The plan will help you pay for the additional expenses to make arrangements to return home early.
Absolutely. Cancel for any reason travel insurance allows you to cancel your trip for any reason and get a refund of the trip cost. Keep in mind that it is not really for "any reason." There are some restrictions. Cancel for any reason travel insurance plans provide trip cancellation coverage for any reason not already covered by regular trip cancellation insurance plans. For example, a cancel for any reason policy will be helpful in the event that you:
To learn more about Trip Insurance please view the What is Travel Insurance? article below.
U.S. Citizens are not required to have a visa when traveling to a Schengen country if the trip duration is 90 days or less and traveling for business or pleasure.
As a leading health insurance brokerage company specializing in international insurance, we offer various plans from various companies. The types of insurance policies we offer specific to U.S. Citizens traveling abroad would be: Study Abroad Coverage, Schengen visa Insurance, Expatriates Insurance, Missionary Insurance, Accident, Group Medical, and Specialty Insurance. For more details on any of the above mentioned polices, please feel free to contact our office.
Ask our specialists - Licensed and experienced insurance professionals in the U.S.
Prices are regulated by law.
You cannot find a lower price anywhere for the same product.
Learn MoreSame Price. Better Service.®
There are many advantages in purchasing from Insubuy® and no disadvantages.
Learn MoreHealthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
Learn MoreDid you know that your insurance may not cover you abroad or that it may only provide limited coverage?
Purchase travel medical insurance that includes emergency medical evacuation.
Learn MoreYou are not eligible to enroll in Medicare for the first 5 years.
Purchase new immigrant medical insurance to bridge the gap.
Learn MoreYou could lose your non-refundable trip costs if you had to cancel your trip.
Buy a trip cancellation insurance package plan and be worry-free.
Learn MoreThe U.S. Department of State requires all J visa holders to purchase compliant insurance.
Buy J visa medical insurance to meet your requirements.
Learn MoreSchengen countries require most non-US citizens to purchase Schengen visa insurance.
Make an instant purchase online and get instant visa letter.
Learn MoreYou don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
Learn MoreMost schools require international students to purchase health insurance.
Purchase international student health insurance that meets most school requirements.
Learn More